Emma - Budget Planner Tracker

Emma Technologies LTD.

In-app purchases

About this app

Meet Emma, your financial super app 👋

Features

● All your accounts in one place
● Set budgets & track spending: unlimited budgets, custom categories, rolling budgets, merchant budgets, split transactions, you name it. Emma is the ultimate budgeting app.
● Report your rent payments to Equifax, Experian and TransUnion to improve your credit history
● Find and track your subscriptions
● Earn up to 3.51% AER on Easy Access Pots - FSCS Protected
● Make money while shopping by earning cashback
● Invest in US Stocks commission-free. Capital at risk, other charges apply.

Emma can also help you:

● Set bill reminders to never miss a payment again
● View your balance after bills
● Sync your budget payday to payday
● Receive real-time notifications to avoid low balances and overdrafts
● Protect your Identity with our Fraud Detection feature
● Track your net worth to improve your financial health
● Manage your shared expenses with a partner with Emma Groups or Spaces
● Track business accounts
● Pay friends and family
● Discover the best loans for you

Discover all Emma’s features in the app!

BANK-LEVEL SECURITY

Worried about sharing your data? We hear you.

● Emma uses SSL 256-bit encryption - the same security protocol that banks use - to ensure that your sensitive, personal information is fully encrypted and securely stored.

● Emma uses biometric security authentication for an added level of protection.

● Regulated by the Financial Conduct Authority (FCA).


● Registered with the Information Commissioner’s Office (ICO).


● Featured in Financial Times, The Guardian, iTV, Techcrunch and many more media outlets!


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If you choose to purchase Emma Plus, Emma Pro or Emma Ultimate, payment will be charged to your Google Play Store account, and your account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Subscriptions are managed by the user and auto-renewal may be turned off by going to the user's Google Play Store account. Emma subscription prices start at £4.99 GBP/month with 1-month and 12-month packages available. Prices are subject to change without notice. No cancellation of the current subscription is allowed during the active subscription period. If you don’t choose to purchase Emma Plus, Emma or Emma Ultimate, you can simply continue using Emma for free.


Loan information


Loan terms: 1 to 25 years
APR: from 3.9% to 99.9%
Representative Example: Borrowing £10,000 over 60 months with monthly repayments of £232.53. The total amount repayable will be £13,951.80. Representative 14.9% APR, annual interest rate (fixed) 13.97%.


Emma Technologies LTD is registered with the FCA under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952

Emma Technologies LTD is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the FCA (FRN 775330).


Emma Technologies LTD is an Introducer Appointed Representative of Quint Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 669450).


Data Protection Registration Number: ZA241546.
CRN: 10578464.


Terms and Conditions: https://emma-app.com/terms
Privacy Policy: https://emma-app.com/privacy

Ratings and reviews

I love Emma! I was searching for a good app to help me keep track of my 1. Transactions , 2. Debt , and 3. Bills and Subscriptions. Emma does all that and more. It's asthetically pleasing, easy to understand and operate, and best of all free! Only reason it's not a 5 star is because it doesn't update my transactions as often as I'd like, but even that's gotten better with time. It' a great tool for me, a recent college graduate, to help my take charge of my finances. This + Dave Ramsey. 👌🏽💸

Interesting app for keeping most of your finances in one place and managing them easier. I like how my balances with multiple financial institutions are right there so that I don't have to login separately. It would be cool if the app was funnier like insulting our spending habits. More trivia would be cool too. The only thing I'm not fond of is that my auto loan provider, Foursight Capital LLC, isn't listed, so I can't keep track of that. Otherwise, the app is useful to me and I'll keep using.

I downloaded and deleted MANY budgeting apps before keeping this one. It's the only one that does what I need, plus it exceeds my expectations in ease and customization. I love that you can set up recurring payments, see a history of one merchant, batch edit transactions, and so much more! The tags are pretty cool too. And it's actually reasonably priced. So worth the cost for convenience. I'm also able to have my husband signed into my account on his phone with his own pin/fingerprint.

What's new

Fixes and improvements